you have technology changed a substitution, competition. people pay bills online. when you lose 30 billion pieces of mail, that is what is continuing to affect this organization. it will continue. as you have options to go electronically with advertising mail or electronically rst-classill present and ements which is a very scary thought for us, that is why we have to keep the price right and the service level where they are coming at is a major threat. the refunding issues are soluble 100% by managing our own health care, and it is not managed by op the postal seic compete is lr person in this room. there are people in this room who are enjoying very good health plans because your companies or the groups that you belong to have competed in. yet the benefits, and you are able to adjust things going into the future. the key for the health care, we do not want to warn away from our responsibilities. we want to pay exactly what we should pay. if theseice r pdedicare, t in the united states, and it is paid for by our employees and by your postage rates. it is irrespons